Which of the following is a characteristic of conversion from group to permanent life insurance?

In most cases, conversion from group to permanent life insurance does not require proof of insurability. This is one of the key benefits of converting a group policy; individuals can obtain coverage without additional medical evaluations or evidence of health status, which is not the case for new applications.

The conversion process allows individuals to switch from a group term life insurance policy to a permanent life insurance policy, not solely to another term insurance. Therefore, stating that conversion must be to term insurance is incorrect, as it can also transition to whole or universal life policies.

When converting to permanent life insurance, the premiums are typically based on the insured's age at the time of conversion, not the age when first covered by the group policy. This means that if there has been a significant time lapse since the individual was first insured, their age at conversion will impact the premium amount.